Citizens Bank & Trust Mortgage Rates, Fees & Info
Guntersville, ALLEI: 5493005GHHD2LL3US857
Tax ID: 43-1994736
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Citizens Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Albertville, Cullman, Huntsville, Scottsboro, and Decatur among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
141Origination Dollar Volume (All Markets)
$35,515,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Albertville, AL (FHA|USDA|VA) | 70 | $15,570,000 | $222,429 | $0 | 0.00% |
| Cullman, AL (FHA|USDA|VA) | 33 | $5,535,000 | $167,727 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 9 | $2,765,000 | $307,222 | $0 | 0.00% |
| Scottsboro, AL (FHA|USDA|VA) | 4 | $2,690,000 | $672,500 | $0 | 0.00% |
| DECATUR, AL (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $1,295,000 | $1,295,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 0.00% |
| GADSDEN, AL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 0.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 0.00% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 141 | $35,515,000 | $251,879 | $0 | 0.00% |
For 2022, Citizens Bank & Trust's most frequently originated type of loan was Conventional, with 141 originations.
Loan Reason
For 2022, Citizens Bank & Trust's most frequently cited loan purpose was Home Purchase, with 81 originations. The 2nd most popular reason was Refi, with 55 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 141 | $35,515,000 | $251,879 | $0 | 0.00% |
For 2022, Citizens Bank & Trust's most frequently cited loan duration was Other, with 141 originations.
Loan Sizing
2022 saw Citizens Bank & Trust place emphasis on $100k-200k loans with 51 originations, totaling $6,905,000 in origination value.
Applicant Income
Citizens Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 23 originations. The second most popular income band? $50k-75k, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 141 | $35,515,000 | $251,879 | $0 | 0.00% |
Citizens Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 141 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.78%
Citizens Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination87.94%
Citizens Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 141 | $35,515,000 | $251,879 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 30.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 4 | 40.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 10.0% |